蚂蚁金服小额贷款分析.doc

蚂蚁金服小额贷款分析 摘要 蚂蚁小贷模式是互联网金融的一种形态，属于互联金融类业务，蚂蚁金服利用其自 身商务平台掌握多年的交易数据，通过自有资金及外部融资为平台内部的商户提供纯信 用贷款服务的金融模式。蚂蚁小贷模式依据平台优势和信息优势，其利用平台的闭环特 点获取全面的小微企业、平台个人用户的信息，建立起用户评级机制和征信体系，降低 了信息不对称；另外借助阿里云的大数据技术建立了贯穿整个贷款过程的风险管理体 系，实现了低成本、低风险下的高效率放贷模式。蚂蚁小贷的也有着局限性，分别是身 份不明确，行业定位不清；资金来源受到限制；无法与第三方支付平台的资金进行关联; 放贷仅限于产业链的单一环节。本文以蚂蚁金服为代表的小额信贷模式进行了探讨，针 对现有存在的一些问题提岀了可行的方法进行了探讨。 关键词：互联网金融；蚂蚁小贷；小微企业 ABSTRACT With the continuous development of Internet technology and the expansion of the scale of the electricity supplier trading market, more and more cross-border e-commerce companies into the financial sector. The small loan mode is a form of Internet banking, Internet banking belongs to the class of business, using its own business platform have years of trading data, provide pure credit services for businesses within the platform through its own funds and external financing financial model. The small loan mode based on the platform advantage and information advantage, the closed-loop characteristics of the platform for full Small and micro businesses and individual users of the information platform, and establish user rating mechanism and credit system, reduce the information asymmetry; at the same time with the big data technology is established through the whole process of credit risk management system, to achieve a high efficiency the lending of low cost, low risk, to get rid of dependence on corporate financial statements, mortgages and guarantees the traditional loan mode. The small loan also has limitations，namely the identity is not clear, industry positioning is not clear; the source of funding is limited; and the third party payment platform funds for lending is limited to single link association; industry chain. In this paper, Ant Financial Services Group small loan model as the representative of the prospects for the small business model of electronic commerce prospects for the existing problems put forward some feasible methods. Key Words: Internet Finance; Ant Financial Services; Group